Common RV Insurance Mistakes
Mistake #1: Thinking car insurance is sufficient to properly cover your RV
An RV is much more intricate than a car and therefore requires insurance that takes into account its unique needs.
RV owners need coverages that accommodate the kind of personal belongings they carry inside their RVs,
discounts that reflect their traveling lifestyle and services that provide expert RV assistance anywhere in the country.
For example, what do you do if you have to file a claim while you’re away from home? What if you sustain a loss while visiting a campground?
These and so many other questions call for specialized recreational vehicle insurance from the RV Insurance experts at the Good Sam Insurance Agency.
Mistake #2: Shopping for the Lowest Price Available
Don’t underestimate the value of a service-oriented, reliable and specialized RV insurance company
like the Good Sam Insurance Agency when you search for RV insurance coverage.
Be sure to compare features and services custom tailored to protect your recreational vehicle - not just price.
Mistake #3: Choosing Inadequate RV Liability Insurance Coverage
Liability coverage is what protects you in the event you injure other people or damage property with your vehicle.
Choosing lower liability coverage limits may leave you seriously at risk financially,
since medical bills and loss wages can quickly exceed low liability limits.
Do more than choose state-required minimums - choose the coverage that reflects your personal financial situation.
Mistake #4: Missing Out on Potential Discounts
Built-in savings and discounts can offer many ways to reduce your premium. Some of the discounts you may qualify for include:
- A multi-vehicle discount for insuring your RV and autos on the same policy.
- Having anti-theft devices, airbags and other security devices allows you to put money back in your wallet!
- Save with our Storage Option, which allows you to suspend coverages you don't need when you're not using your RV
- At the Good Sam Insurance Agency, safety equals savings! We always reward customers who have a safe driving record
Mistake #5: Overlooking possible life changes
Life changes like moving, buying a house, getting married, or having a new teen driver in the household can affect your insurance needs
and the price you pay for coverage.
You may not think about recreational vehicle insurance when unpacking at the new house or turning another year older.
But the fact is - all of these life events could potentially affect the coverages you need,
and you may find that new rates could become available.
So be sure to keep your policy current - and that means everything from address changes to marital status
to sending your firstborn off to college.
Generally speaking, these life events - and more - offer opportunities for revisiting your RV insurance coverages and possibly enjoying more savings!